Heritage First Bank
Rome, GA — Federal Savings Bank
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Net Interest Margin Over Time
| Net Interest Margin | Heritage First Bank | All Insured Savings Banks in Georgia |
| 12-31-2016 | 5.337 | 3.974 |
| 09-30-2016 | 5.193 | 3.966 |
| 06-30-2016 | 5.149 | 3.937 |
| 03-31-2016 | 5.094 | 3.907 |
| 12-31-2015 | 4.878 | 3.922 |
| 09-30-2015 | 4.872 | 3.907 |
| 06-30-2015 | 4.918 | 3.971 |
| 03-31-2015 | 4.924 | 3.953 |
| 12-31-2014 | 5.127 | 3.97 |
| 09-30-2014 | 4.875 | 3.89 |
| 06-30-2014 | 4.853 | 3.87 |
| 03-31-2014 | 4.899 | 3.851 |
| 12-31-2013 | 4.542 | 3.956 |
| 09-30-2013 | 4.579 | 3.951 |
| 06-30-2013 | 4.457 | 4.001 |
| 03-31-2013 | 4.266 | 3.978 |
| 12-31-2012 | 4.532 | 4.094 |
| 09-30-2012 | 4.537 | 4.059 |
| 06-30-2012 | 4.528 | 4.008 |
| 03-31-2012 | 4.356 | 3.981 |